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Mortgage free in Forever Home :-)

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  • KajiKita
    KajiKita Posts: 7,708 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Oh, and the significant present was handed over to me wrapped for me to open on Sunday so at least I don’t have to watched opening it! 😳😉

    KK
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,816 Interest saved £5,28 to date
    Fixed rate 3.85% ends January 2030

    Read 41 books of target 52 in 2025, as @ 9th August
    Produce tracker: £272 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • South_coast
    South_coast Posts: 5,884 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    KajiKita said:
    Totally get what you are saying here, but I am finding is bringing that clarity of every penny is how hard it is to earn a £5 a week on Qm33! That is really making me focus in on every penny! 😉😂
    Ooh, yes! I can see that thinking "Hmmm, it would take me 4 hours to earn this back in surveys" would be a motivator not to spend 🤣! 

    Interesting on the present....are you shaking it in trepidation, or just eyeing it cautiously from the other side of the room 🤔😳?
    Mortgage start: £65,495 (March 2016)
    Cleared 🧚‍♀️🧚‍♀️🧚‍♀️!!! In 5 years, 1 month and 29 days
    Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed

    Finally earning interest instead of paying it!!!
  • KajiKita said:
    Oh, and the significant present was handed over to me wrapped for me to open on Sunday so at least I don’t have to watched opening it! 😳😉

    KK
    I'm not sure I'd be able to keep a wrapped present in my house for two days. Any clue what it might be?
    Start mortgage date: August 2022; Start mortgage amount: £240,999; Original mortgage free date: August 2056
    Current mortgage amount: £226,957.97
    Start student loan 2012: £29,750; current student loan: CLEARED July 2025
  • KajiKita
    KajiKita Posts: 7,708 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    edited 29 October 2022 at 9:59AM
    @South_coast - I am eyeing cautiously / trying to ignore it! 😳😂

    @Merlin’s_Beard - my husband is very strict with me about such things! 😂 I *may*, possibly, have form for opening Christmas presents on Christmas Eve …. <ahem> Oh and it’s small, jewellery box sized. The sad things is, if whatever it is is good I will never wear it as I only wear silver (long standing prejudice  against gold 🤷‍♀️😉). 
    Btw, this may sound a little odd, but it’s lovely to see someone else with a large mortgage number! 😉

    KK
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,816 Interest saved £5,28 to date
    Fixed rate 3.85% ends January 2030

    Read 41 books of target 52 in 2025, as @ 9th August
    Produce tracker: £272 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • badmemory
    badmemory Posts: 9,653 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    I'd open it earlier so that I had a good chance of finding something to (good) to say when saying thanks.
  • KajiKita said:
    @South_coast - I am eyeing cautiously / trying to ignore it! 😳😂

    @Merlin’s_Beard - my husband is very strict with me about such things! 😂 I *may*, possibly, have form for opening Christmas presents on Christmas Eve …. <ahem> Oh and it’s small, jewellery box sized. The sad things is, if whatever it is is good I will never wear it as I only wear silver (long standing prejudice  against gold 🤷‍♀️😉). 
    Btw, this may sound a little odd, but it’s lovely to see someone else with a large mortgage number! 😉

    KK
    Definitely not weird, I've been actively seeking out diaries with a similar number to me to follow to reassure me that I'm not mad for taking it on and it is doable!
    Start mortgage date: August 2022; Start mortgage amount: £240,999; Original mortgage free date: August 2056
    Current mortgage amount: £226,957.97
    Start student loan 2012: £29,750; current student loan: CLEARED July 2025
  • KajiKita
    KajiKita Posts: 7,708 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Op of £5.36 thanks to QM33 today :)

    KK
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,816 Interest saved £5,28 to date
    Fixed rate 3.85% ends January 2030

    Read 41 books of target 52 in 2025, as @ 9th August
    Produce tracker: £272 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
  • South_coast
    South_coast Posts: 5,884 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    Oh wow, that sounds like a really thoughtful gift - what a relief 😅!

    Have a lovely birthday x
    Mortgage start: £65,495 (March 2016)
    Cleared 🧚‍♀️🧚‍♀️🧚‍♀️!!! In 5 years, 1 month and 29 days
    Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed

    Finally earning interest instead of paying it!!!
  • KajiKita
    KajiKita Posts: 7,708 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Oh wow, that sounds like a really thoughtful gift - what a relief 😅!

    Have a lovely birthday x
    Thanks SC 😊 Exactly my thoughts!! 😂

    I will, thank you 😊 

    KK
    As at 15.07.25:
    - When bought house £315,995 mortgage debt and end date at start = October 2039 - now £233,521
    - OPs to mortgage = £11,816 Interest saved £5,28 to date
    Fixed rate 3.85% ends January 2030

    Read 41 books of target 52 in 2025, as @ 9th August
    Produce tracker: £272 of £300 in 2025

    Watch your thoughts, they become your words.
    Watch your words, they become your actions. 
    Watch your actions, they become your reality. 
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